by Ed Hinerman | May 22, 2008 | Independent agent, insurance, key man insurance, life insurance, return of premium term insurance, term insurance, whole life
Return of premium term life insurance is certainly a hot topic these days, so where do you turn to get an unbiased analysis of whether or not it is a good fit for your financial needs? I guess my best advice is simply to steer clear of anyone that thinks it’s...
by Ed Hinerman | May 21, 2008 | insurance, life insurance, term insurance, whole life
Just one last thought for the day. Mortgage life insurance has been one of the biggest rip offs since it’s inception. No matter how it’s packaged it ends up costing far more than you need to spend. I just found a great example. This particular agency wants...
by Ed Hinerman | May 12, 2008 | Independent agent, insurance, life insurance, term insurance
I have often talked about the reality of buying life insurance through your local auto and homeowner’s agent, that reality being a high cost at best and absurdly conservative underwriting which doesn’t favor anyone with any kind of health issue. Most of...
by Ed Hinerman | Apr 25, 2008 | cholesterol, insurance, life insurance, term insurance
It’s generally the drama of the week around here. Someone has applied for insurance only to find out that they are fatter than they thought, their cholesterol of blood pressure is higher than the guidelines because they never check it, or their rate is approved...
by Ed Hinerman | Apr 22, 2008 | insurance, life insurance, term insurance, universal life, whole life
It seems that every time I write about whole life insurance and the fact that any positive attributes it may have had at some point in history are gone, someone feels the need to point out what an idiot I am. I take it all with a grain of salt since the stern...
by Ed Hinerman | Mar 26, 2008 | Independent agent, insurance, life insurance, term insurance
I’ve talked to so many people that assume they are all set because their job offers a cheap group life insurance plan. I’ll be the first to say that if it’s inexpensive I think you ought to take advantage of it. What is a concern to me and should be to you, is...
by Ed Hinerman | Mar 25, 2008 | insurance, life insurance, term insurance, universal life, whole life
Life insurance shouldn’t be a luxury. Something that you can buy when times are good and can be dropped when things get tight. The need for life insurance, if anything, is more essential during bad economic times. Not that there is a good time to leave a family...
by Ed Hinerman | Mar 8, 2008 | insurance, life insurance, term insurance, universal life
Often when a person gets into their 70’s, life insurance choices have to be studied more carefully. In most cases there is only one term option left, the 10 year term insurance. If that doesn’t work for you, the only other practical option is a universal...
by Ed Hinerman | Mar 7, 2008 | insurance, life insurance, term insurance, whole life
I’ve heard every possible pitch as to why whole life insurance is a good idea. Did you know that we might not have Disney World if it weren’t for whole life insurance? I’ve said so many times that whole life insurance used to be the only way to have...
by Ed Hinerman | Mar 5, 2008 | Independent agent, insurance, life insurance, term insurance, whole life
I was asked by my pastor to offer my thoughts on life insurance to the people attending the Dave Ramsey Financial Peace University seminar at our church. Anyone who’s read my blogs knows that I am huge on leaving money in people’s pockets. Dave Ramsey is...
by Ed Hinerman | Mar 2, 2008 | bipolar disorder, diabetes, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
There’s really never been bad news when it comes to life insurance underwriting of type 2 diabetes. Would people with diabetes like to pay less for life insurance? Of course they would, which puts them in the same boat with all of us who don’t have...
by Ed Hinerman | Feb 26, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
I field a high number of calls asking about whether people should buy term insurance, universal life or whole life, and in some cases they will have heard of, and ask about return of premium term insurance. Now is not the time to hold back my feelings on this, so I am...
by Ed Hinerman | Feb 22, 2008 | insurance, life insurance, term insurance
I was reading an aricle in a trade publication today concerning orphan life insurance policyholders. No, this isn’t some group of lost children’s life insurance clients. An orphan, in the industry sense, is a client whose agent has moved, died, or more...
by Ed Hinerman | Feb 21, 2008 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
I swear, where a year ago I was thinking New York would probably miss this century also, they have now rocked the life insurance world by approving return of premium term insurance for sale. Return of premium has been available in the rest of the country for years,...
by Ed Hinerman | Feb 13, 2008 | bipolar disorder, breast cancer, cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance, prostate cancer, term insurance
There are so many options to shop for your life insurance needs, each making the claim that they will save you money. Save 70% on your term insurance! Hundreds of companies to choose from! Give us 10 minutes and you could save hundreds of dollars on term life...
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